ROI calculator.
Use this free ROI calculator to see what an investment returned — total return on investment, net gain or loss, and the annualized ROI (CAGR) that lets you compare deals over different time spans.
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Results update automatically as you type. No account is required.
Enter your investment
The investment
What you put in and what you got back. Include fees in the amount invested for a truer ROI.
How long you held it
The holding period. Used to work out the annualized return so you can compare investments fairly.
You invested $10,000 and got back $15,000 over 3y — a gain of $5,000 (+50% total, +14.47% a year).
Implied growth path
If the return had compounded steadily, this is the year-by-year value at the annualized rate.
Amortization schedule
Every payment split into principal and interest, with your balance falling to zero. Switch between the month-by-month view and a yearly summary.
| Month | Value | Gain to date |
|---|---|---|
| 1 | $10,113.27 | $113.27 |
| 2 | $10,227.81 | $227.81 |
| 3 | $10,343.66 | $343.66 |
| 4 | $10,460.82 | $460.82 |
| 5 | $10,579.30 | $579.30 |
| 6 | $10,699.13 | $699.13 |
| 7 | $10,820.32 | $820.32 |
| 8 | $10,942.87 | $942.87 |
| 9 | $11,066.82 | $1,066.82 |
| 10 | $11,192.17 | $1,192.17 |
| 11 | $11,318.94 | $1,318.94 |
| 12 | $11,447.14 | $1,447.14 |
| 13 | $11,576.80 | $1,576.80 |
| 14 | $11,707.93 | $1,707.93 |
| 15 | $11,840.54 | $1,840.54 |
| 16 | $11,974.65 | $1,974.65 |
| 17 | $12,110.28 | $2,110.28 |
| 18 | $12,247.45 | $2,247.45 |
| 19 | $12,386.17 | $2,386.17 |
| 20 | $12,526.46 | $2,526.46 |
| 21 | $12,668.35 | $2,668.35 |
| 22 | $12,811.83 | $2,811.83 |
| 23 | $12,956.95 | $2,956.95 |
| 24 | $13,103.71 | $3,103.71 |
| 25 | $13,252.13 | $3,252.13 |
| 26 | $13,402.23 | $3,402.23 |
| 27 | $13,554.03 | $3,554.03 |
| 28 | $13,707.55 | $3,707.55 |
| 29 | $13,862.81 | $3,862.81 |
| 30 | $14,019.83 | $4,019.83 |
| 31 | $14,178.63 | $4,178.63 |
| 32 | $14,339.22 | $4,339.22 |
| 33 | $14,501.64 | $4,501.64 |
| 34 | $14,665.89 | $4,665.89 |
| 35 | $14,832.00 | $4,832.00 |
| 36 | $15,000.00 | $5,000.00 |
About the ROI Calculator
Return on investment (ROI) measures how much an investment gained or lost relative to what you put in. This calculator takes the amount invested, the amount returned, and how long you held it, then reports the net gain or loss, the total ROI, and the annualized ROI (CAGR) — the figure that lets you compare investments held for different lengths of time on equal footing.
How ROI is calculated
Total ROI is the net profit divided by the amount invested: ROI = (returned − invested) ÷ invested × 100. A $10,000 investment that returns $15,000 has a $5,000 gain and a 50% total ROI. If the return is less than the amount invested, ROI is negative and you made a loss.
Why annualized ROI (CAGR) matters
Total ROI ignores time, which can mislead. A 50% return over three years is very different from 50% in one year. Annualized ROI — the compound annual growth rate — normalizes the return to a per-year rate: CAGR = (returned ÷ invested)^(1 ÷ years) − 1. Comparing annualized figures is the fair way to judge two investments with different holding periods.
What counts as a good ROI
It depends on the asset and the risk. As a benchmark, the US stock market has returned roughly 10% a year over long periods, so a long-term annualized ROI near or above that is generally solid, while a high-risk bet that annualizes in the low single digits has underperformed its risk. Always weigh ROI against inflation, fees, taxes, and the returns available elsewhere.
Get the inputs right
The most common mistake is leaving costs out of the amount invested — commissions, fees, taxes, closing or maintenance costs all belong in your cost basis, and omitting them inflates ROI. For a closer-to-net figure, also reduce the amount returned by taxes paid on the gain. ROI says nothing about risk, so treat it as one input among several.
Important disclaimer
⚠ Disclaimer: This ROI calculator is for general education and planning only and is not financial advice. It uses simplified formulas, assumes a single lump sum invested at the start, and does not model fees, taxes, inflation, interim cash flows, or risk. The implied growth path is a smoothed illustration, not actual period returns. Verify figures and consult a licensed professional before investing.
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ROI Calculator FAQ
How do I calculate ROI?
Subtract the amount invested from the amount returned to get the net gain, divide by the amount invested, and multiply by 100. For example, ($15,000 − $10,000) ÷ $10,000 × 100 = 50% ROI.
What is the difference between total ROI and annualized ROI?
Total ROI is the overall percentage gain regardless of time. Annualized ROI (CAGR) converts that into a per-year compound rate, so you can fairly compare investments held for different lengths of time.
What is a good ROI?
It depends on risk and asset class. Long-term US stock market returns average around 10% a year, so a comparable or higher annualized ROI is generally good, while low single-digit returns on a risky investment are weak.
Can ROI be negative?
Yes. If the amount returned is less than the amount invested, ROI is negative, meaning the investment lost money. The calculator shows the loss and a negative annualized rate.
Should I include fees and taxes?
For accuracy, include all acquisition costs (commissions, fees, closing costs) in the amount invested, and for an after-tax view, reduce the amount returned by the tax you paid on the gain.
Does ROI account for risk or inflation?
No. ROI measures only the percentage return. It ignores risk and inflation, so a nominal ROI should be compared against inflation and the returns of safer alternatives.
Is this ROI calculator free?
Yes. It is free, requires no sign-up, and runs entirely in your browser.